Many countries require visitors to have a valid insurance during their stay at the destination. Also consider the value of an insurance is minimal compared to the total value of the trip and any medical expenses or transfers, if necessary. The international and private hospital network in Africa's major tourist cities is good, and also very expensive. Even though there are credit card (and related) reimbursement insurance coverage, travel insurance offers comprehensive emergency assistance that makes direct payment of expenses (not reimbursement, only in emergency cases). If opting out of the insurance included in our packages, a specific disclaimer must be attached to the contract (general conditions).